RateDex

Presented by the National Association of Federally-Insured Credit Unions (NAFCU) in cooperation with S&P Global Market Intelligence and DatatracRates based upon a survey of 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.110.250.010.391.320.1527
6 Mo CD - $10k0.140.300.010.471.430.2533
1 Yr CD - $10k0.280.550.050.771.580.3049
18 Mo CD - $10k0.240.550.051.061.680.6582
2 Yr CD - $10k0.420.750.151.261.790.8084
30 Mo CD - $10k0.310.750.151.281.650.9097
3 Yr CD - $10k0.530.950.201.491.911.0596
4 Yr CD - $10k0.571.060.201.762.091.36119
5 Yr CD - $10k0.771.260.251.972.281.66120
1 Mo CD - $100k0.130.200.100.170.200.154
2 Mo CD - $100k0.140.200.100.180.200.154
3 Mo CD - $100k0.150.350.010.230.300.158
6 Mo CD - $100k0.170.400.010.380.450.3020
1 Yr CD - $100k0.300.650.050.741.250.5044
2 Yr CD - $100k0.460.850.161.201.700.8074
3 Yr CD - $100k0.601.050.201.431.941.0583
Interest Checking - $5k0.050.150.010.060.100.051
Liquid IRA Account0.090.140.030.281.000.1019
Money Market - $2.5k0.060.100.010.140.250.109
Money Market - $10k0.060.100.010.220.500.1116
Money Market - $25k0.100.150.010.260.600.1517
Money Market - $50k0.080.150.020.330.750.2124
Money Market - $100k0.090.150.050.350.750.2126
Money Market - $250k0.090.200.010.350.750.2126
Regular Savings - $1k0.060.100.010.150.500.109
New Car - 36 Mo3.263.542.862.763.251.99-50
New Car - 48 Mo3.283.642.862.783.371.99-50
New Car - 60 Mo3.293.742.862.923.501.99-37
New Car - 72 Mo3.333.992.863.053.791.99-28
Used Car - 36 Mo3.644.722.942.763.251.99-88
Used Car - 48 Mo3.654.722.942.783.371.99-88
Used Car - 60 Mo3.814.672.992.923.501.99-89
Used Car - 72 Mo3.253.502.992.943.491.99-30
New Boat - 60 Mo6.1510.604.494.856.253.74-130
Rewards Credit Card14.5318.1512.999.7010.508.90-483
Credit Card Platinum12.2816.1510.999.879.999.75-241
Credit Card Classic13.9013.9013.9013.6214.2512.99-28
Home Equity - LOC5.807.754.254.886.004.25-93
Home Equity - 5 Yr6.086.495.756.477.505.0839
Home Equity - 10 Yr6.386.756.006.387.505.360
Home Equity - 15 Yr7.087.087.086.297.255.39-80
15 Yr Fixed3.5023.6253.2503.2553.3752.875-25
20 Yr Fixed3.9054.0003.5003.8664.0003.500-4
30 Yr Fixed4.1064.1253.8753.9724.1253.625-13
1 Yr ARM3.6923.6253.625 
3/1 ARM3.8803.7503.7503.1913.1253.125-69
5/1 ARM3.5853.8753.0003.9425.5003.00036
7/1 ARM3.9354.5003.2504.3665.5003.62543
New RV - 60 Mo6.1910.603.994.696.252.84-149
Unsecured - 36 Mo9.449.918.9711.1414.957.40170
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* Represents the difference in the average rate between banks and credit unions.